Valley Strong Credit Union Credit Cards

Valley Strong Credit Union serves customers in several Central California counties. Formerly known as Kern Schools Federal Credit Union, Valley Strong CU offers its members low interest rates and a personal approach to banking. Browse credit card offers below.

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Valley Strong Visa Rewards Card

Earn 1% Cash Back on Every Purchase

Valley Strong Visa Rewards Card
  • Regular Purchase APR 13% to 16.65% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 13% to 16.65% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 13% to 16.65% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.
    Good , Fair
  • Processing Network Visa
Best Benefits
  • No annual fee
  • No balance transfer fees
  • Earn 1% cash back on every purchase
  • Cash back credited monthly to your credit card account
Rates & Fees
  • Regular Purchase APR: 13% to 16.65% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 13% to 16.65% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 13% to 16.65% variable based on creditworthiness and the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 2% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: $10
  • Return Payment Penalty Fee: $15
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Valley Strong Visa Platinum Card

No Annual Fee and No Balance Transfer Fees

Valley Strong Visa Platinum Card
  • Regular Purchase APR 9.5% to 16.65% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 9.5% to 16.65% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 9.5% to 16.65% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.
    Good , Fair
  • Processing Network Visa
Best Benefits
  • No annual fee
  • No balance transfer fee
  • Competitive interest rates
  • Roadside dispatch
Rates & Fees
  • Regular Purchase APR: 9.5% to 16.65% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 9.5% to 16.65% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 9.5% to 16.65% variable based on creditworthiness and the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 2% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: $10
  • Return Payment Penalty Fee: $15
Credit Card Deals

Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.

Join today!

About Valley Strong Credit Union

Valley Strong Credit Union is the new name of the former Kern Schools Federal Credit Union. The credit union traces its roots to 1938 and a group of concerned educators looking for a better way to bank. What is now Valley Strong CU began with a handful of teachers in Bakersfield, California. As the credit union continued to grow, it kept its presence in Kern County, hence the name Kern Schools Federal Credit Union. While initially only for Kern County Schools educators, membership in the credit union eventually expanded to include all those who lived and worked in the county. In 2020, Kern Schools Federal Credit Union began an ambitious plan to extend its reach beyond its home base of Kern County. The stated goal of the credit union was to open membership to those who reside in the nearby San Joaquin Valley. This change also brought the new name, Valley Strong Credit Union. Today, Valley Strong Credit Union boasts more than 150,000 members and over $2 billion in total assets, making it one of the largest credit unions in Central California.

Membership Eligibility

Joining Valley Strong Credit Union (the former Kern Schools Credit Union) is easy. The following individuals are eligible to join the credit union:
  • Anyone who lives, works, or worships in the following California counties:
    • Freson
    • Kern
    • Kings
    • Madera
    • Mariposa
    • Merced
    • San Joaquin
    • San Luis Obispo
    • Stanislaus
    • Tulare
  • The immediate family of a current Valley Strong Credit Union member
  • Members of the Financial Fitness Association
Those ineligible to join Valley Strong through residency can join via the Financial Fitness Association. This option requires an $8 per year fee, which Valley Strong covers for the first year.

Branch Locations

Valley Strong Credit Union currently operates ten branches and an administrative center. These offices and branches are at the following locations: Bakersfield, CA
  • 11500 Bolthouse Drive (Administrative Office)
  • 1341 Allen Road
  • 3300 Buena Vista Road, Suite J
  • 4530 Ming Avenue
  • 2424 Chester Avenue
  • 3901 Mount Vernon Avenue
  • 5001 Panama Lane
  • 6101 Coffee Road
  • 8200 Stockdale Highway, Suite P
Delano, CA
  • 1828 Cecil Avenue, Ste. A and B
Tehachapi, CA
  • 821 Tucker Road, Ste. A and B
For more information on Valley Strong locations, including directions, hours of operation, and more, please visit the credit union’s locations page.

FAQs About Valley Strong Credit Union

Here are some commonly asked questions about Valley Strong CU:

  • Kern Schools changed its name to Valley Strong Credit Union in February 2020.
  • The ABA routing number for Valley Strong is 322273722.

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BestCards is an independent, Florida-based credit card comparison platform. Many of the card offers that appear on this site are from companies from which BestCards receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). BestCards does not include all card companies or all card offers available in the marketplace.

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